Financing Products


1.Sanama Murabaha Financing

  • Financing with Concept difference (margin ) between the cost of goods sold / buying and selling price for working capital, business development, investment, and other multi services with payment in monthly or weekly installments. Financing from IDR 500.000,00 s / d IDR 50.000.000,00 read more...

2. Sanama Mudharabah Financing

  • Investments in venture capital with the concept of profit-sharing revenue (revenue sharing) based on the composition of capital. Funding from IDR 5.000.000,00 until IDR 50.000.000,00 read more...

3. Pembiayaan Sanama Hiwalah

  • Diversion member’s receivable to BMT Sanama. Where the member's receivable paid in advance by BMT Sanama then BMT Sanama bill the receivable billed to the debtor who owes to member’s. read more...

In addition to the existing financing products KSPPS BMT Sanama also develop financing products through a mechanism of cooperation with the company - the company ( Implant Microfinance Program) in order to anticipate the needs of the company's employees. Cooperation is done through the signing of a memorandum of understanding between KSPS Sanama with the company concerned. click here 

For the micro business KSPS Sanama presents Financing Group ( Loan Partnership Program ) . This financing is given to the micro-finance productive businesses who do not have collateral to mencover fulfillment of the loan ( unsecured ) . Financing is done through the mechanism of joint responsibility. Funding is coordinated by Sanama partners in the field to form groups of micro-enterprises. click here



“To become one of the largest Islamic co-operative in West Java with an asset size of 50 billion by 2016”



“To provide solution to the underserved market through comprehensive, sustainable and professional financial and non-financial services base on sharia principles”


  Key Success Factor

Solid, each person of employee always work together as a team that have skill and complete each other, committed to corporate mission to achieve the goals effectively and efficiently.

Productivity, each person of employee always work effective, discipline and appreciate the time to complete the task quickly and never give up to achieve the goals.

Integrity, each person of employee has the consistency and unwavering firmness in upholding the value of belief.

Reliable, each person of employee always reliable through a critical way of thinking, creative, independent, honest and promote competence and professionalism

Improvement, each person of employee always make improvement and development for better product, services and processes continuously to seek and obtain better result.

Trust, always build a harmonious relationship in a conducive environment, inspiring, and mutually develop to build a solid team. Produce creative and innovative work, upholding integrity and reliable.



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